Apply for high-risk payment processing.
Start your merchant account application for CBD, hemp, kratom, smoke shop, supplements, credit repair, firearms, ecommerce, and other high-risk businesses. Complete applications help High Wire Payments move your file toward placement, bank review, approval, and setup.
Ready to apply directly?
The embedded form below is the bank application. Use it when you are ready to start the merchant account process and move your business toward approval and processing setup.
Have a quick question?
Send a short message and Leah will follow up directly. Use the full application above when you are ready to begin underwriting.
Start before payments become the emergency.
High-risk merchants often wait until Stripe, Square, PayPal, Shopify Payments, or another processor freezes funds, blocks transactions, or closes the account. Starting the application now gives your business more time to get placed, connected, and ready to process.
Apply for online processing.
Start an application for ecommerce stores using WooCommerce, Shopify, Wix, BigCommerce, custom checkout, invoices, or virtual terminal payments.
Apply for industry placement.
CBD, hemp, kratom, kava, smoke shops, vape, supplements, credit repair, firearms, and other high-risk categories may need specialized processing.
Apply with setup in mind.
High Wire Payments can help with gateway paths like Authorize.net, NMI, virtual terminal, recurring billing, invoices, and retail hardware options.
Complete applications move faster.
The more complete your application is, the easier it is to move your file forward. Include your real website, product type, monthly volume, current processor, and what payment setup you need.
- Business website and product category
- Monthly processing volume and average ticket
- Current processor or previous shutdown details
- Ecommerce, retail, mobile, or both
- Gateway needs like NMI or Authorize.net
Do not wait until payments stop.
If your current processor is reviewing your account, holding funds, declining transactions, or asking questions about your products, start the application now. Waiting until funds are frozen or transactions stop can make the situation harder.
- CBD, hemp, THCA, and cannabinoid businesses
- Kratom, kava, botanicals, and supplements
- Smoke shops, vape shops, and specialty retail
- Credit repair and high-risk service businesses
- Firearms, ammunition, and regulated ecommerce
What happens after you apply.
Your application information is used to prepare your merchant account file, match your business with the right processing path, and move your file into the approval process.
Application received.
Your submitted details become the starting point for your merchant account file.
File is prepared.
Your website, business type, processing needs, and risk profile are organized for review.
Bank review begins.
The information you submitted may be reviewed by banking and underwriting partners.
Approval and setup.
Once approved, your gateway, terminal, or processing tools can be configured.
Ready to submit your application?
Complete the embedded form carefully. This is the application information used to start your merchant account file and move your business toward bank review, approval, and processing setup.